View 2017 Volkswagen Golf GTI Car Insurance Cost

Are you tired of trying to scrape together enough money to insure your Volkswagen every month? You are in the same boat as many other consumers. People have multiple insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, so many choices can make it hard to find the best rates for your vehicles.

Double check you’re getting with these discounts

Auto insurance is not cheap nor is it fun to buy but you may qualify for discounts that could help you make your next renewal payment. Some discounts apply automatically when you get a quote, but a few must be asked about before you will receive the discount.

• Theft Prevention System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and will save you 10% or more.
• Seat Belts Save more than Lives – Drivers who require all vehicle occupants to buckle their seat belts could save 15% off the PIP or medical payment premium.
• Discount for Passive Restraints – Cars that have air bags may earn rate discounts of 20 to 30 percent.
• Discount for Life Insurance – Some companies give a small discount if you purchase a life insurance policy as well.
• Student Discount for Driver Training – Have your child take driver’s ed class in high school.
• Discounts for Responsible Drivers – Drivers who don’t get into accidents can save as much as half off their rates for Golf GTI coverage than drivers with accidents.

Policy discounts save money, but most discounts do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like having all the discounts means you get insurance for free, companies don’t profit that way.

Car insurance companies that may offer quotes with some of the discounts shown above include:

• Geico
• MetLife
• Progressive
• Travelers
• SAFECO
• AAA

Check with every prospective company which discounts you qualify for. Savings may not be available in your state. To view insurance companies that offer discounts, click this link.

The best way we recommend to compare rates takes advantage of the fact auto insurance companies allow for online access to provide you with a free rate quote. The only thing you need to do is give them rating details including whether you are single or married, how much coverage you want, if it has an alarm system, and your education level. Those rating factors is sent automatically to multiple insurance coverage providers and they respond with quotes instantly to find the best rate.

Your situation helps dictate your coverage

When buying coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that For instance, these questions may help highlight if you may require specific advice.

• Can I pay claims out-of-pocket if I buy high deductibles?
• Does car insurance cover theft of personal property?
• Does liability extend to a camper or trailer?
• How much can I save by bundling my policies?
• When should my teen driver be added to my policy?
• How can I force my company to pay a claim?
• Do I need roadside assistance coverage?
• What if I total my 2017 Volkswagen Golf GTI and owe more than it’s worth?
• Do I need replacement cost coverage?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverage information

Having a good grasp of a insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types found on the average insurance policy.

Liability coverage – This can cover damage or injury you incur to other’s property or people in an accident. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things such as pain and suffering, attorney fees, structural damage and repair costs for stationary objects. How much coverage you buy is up to you, but consider buying as much as you can afford.

Collision – This coverage will pay to fix damage to your Golf GTI from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with a tree, driving through your garage door, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for bills for things like doctor visits, EMT expenses and surgery. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from flooding, falling objects, hitting a deer and a broken windshield. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Shop smart and save

When searching for cheaper auto insurance quotes, it’s very important that you do not reduce coverage to reduce premium. There have been many cases where an insured cut physical damage coverage only to regret that the savings was not a smart move. Your goal is to buy enough coverage for the lowest cost and still be able to protect your assets.

Some companies do not offer the ability to get a quote online and most of the time these small insurance companies sell through independent insurance agencies. Cheap 2017 Volkswagen Golf GTI insurance can be found on the web in addition to local insurance agencies, and you should compare rates from both in order to have the best chance of saving money.

Additional car insurance information can be read at the links below

• Auto Crash Statistics (Insurance Information Insitute)
• Medical Payments Coverage (Liberty Mutual)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Think You’re a Safe Driver? (State Farm)
• Booster Seat Ratings (iihs.org)